The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
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hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPS ETF TR ETF - FIXED INCOME 00162Q346 14,287 553 SH SOLE 553 0 0
A T & T INC COMMON STOCK 00206R102 225,654 7,800 SH SOLE 7,800 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 7,819,590 57,493 SH SOLE 57,493 0 0
ABERDEEN PHYSICAL GOLD SHARES ETF 00326A104 575,605 18,250 SH SOLE 18,250 0 0
ADOBE INC COMMON STOCK 00724F101 77,841,411 201,203 SH SOLE 201,203 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 1,466,128 8,265 SH SOLE 8,265 0 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 10,838,640 61,503 SH SOLE 61,503 0 0
AMAZON.COM INC COMMON STOCK 023135106 3,504,065 15,972 SH SOLE 15,972 0 0
AMERICAN CENTY ETR ADVANTIS US LARGE CAP ETF 025072349 4,228 62 SH SOLE 62 0 0
AVANTIS INTERNATIONAL EQUITY ETF ETF 025072703 4,292 58 SH SOLE 58 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 11,699,786 36,680 SH SOLE 36,680 0 0
AMERICAN TOWER CORP NEW COMMON STOCK REIT 03027X100 5,176,255 23,420 SH SOLE 23,420 0 0
ETF ANGEL OAK FDS TR ULTRASHORT INCOME ETF - FIXED INCOME 03463K752 4,084 80 SH SOLE 80 0 0
APPLE INCORPORATED COMMON STOCK 037833100 9,581,813 46,702 SH SOLE 46,702 0 0
AUTOMATIC DATA PROCESSING IN COMMON STOCK 053015103 385,487 1,250 SH SOLE 1,250 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 5,042,393 68,895 SH SOLE 68,895 0 0
XTRACKERS RUSSELL 1000 COMP FACTOR ETF ETF 233051481 416,279 7,406 SH SOLE 7,406 0 0
DANAHER CORPORATION COMMON STOCK 235851102 4,225,544 21,391 SH SOLE 21,391 0 0
DIAGEO PLC SPON ADR NEW FOREIGN EQUITIES 25243Q205 90,756 900 SH SOLE 900 0 0
DISNEY (WALT) COMPANY COMMON STOCK 254687106 6,481,967 52,270 SH SOLE 52,270 0 0
EBAY INC COMMON STOCK 278642103 2,244,667 30,150 SH SOLE 30,150 0 0
FORTIVE CORP COMMON STOCK 34959J108 748,454 14,358 SH SOLE 14,358 0 0
FRANKLIN INTERNATIONAL AGGREGATE BOND ETF ETF - FIXED INCOME 35473P611 460,034 22,408 SH SOLE 22,408 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602 2,378,461 4,377 SH SOLE 4,377 0 0
ETF INVESCO S&P 500 QUALITY ETF - FIXED INCOME 46137V241 28,146 395 SH SOLE 395 0 0
INVESCO DWA SC MOMENTUM COMMON STOCK 46138E842 4,693,735 55,312 SH SOLE 55,312 0 0
ISHARES CORE S & P 500 ETF ETF 464287200 394,877 636 SH SOLE 636 0 0
ISHARES CORE U.S.AGGREGATE BOND ETF ETF - FIXED INCOME 464287226 14,116,911 142,308 SH SOLE 142,308 0 0
ISHARES TRUST ETF FOREIGN ETF 464287465 742,561 8,307 SH SOLE 8,307 0 0
ISHARES TR US TREAS BD ETF ETF - FIXED INCOME 46429B267 6,869,179 299,052 SH SOLE 299,052 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 351,510 3,000 SH SOLE 3,000 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF COMMON STOCK 46429B689 298,413 3,550 SH SOLE 3,550 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF COMMON STOCK 46429B697 6,747,059 71,877 SH SOLE 71,877 0 0
ISHARES MSCI USA MOMENTUS FACTOR ETF ETF 46432F396 43,015 179 SH SOLE 179 0 0
ISHARES TR CORE MSCI EAFE COMMON STOCK 46432F842 14,869,962 178,148 SH SOLE 178,148 0 0
ISHARES INC CORE MSCI EMKT COMMON STOCK 46434G103 55,937 932 SH SOLE 932 0 0
ISHARES TRUST U S EQUITY FACTOR ETF ETF 46434V282 10,336,042 161,174 SH SOLE 161,174 0 0
ISHARES MSCI INTL MOMENTUM FACTOR ETF COMMON STOCK 46434V449 11,824,770 258,862 SH SOLE 258,862 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF ETF - FIXED INCOME 46434V613 392,962 8,502 SH SOLE 8,502 0 0
ISHARES TR CORE DIV GRWTH COMMON STOCK 46434V621 466,689 7,300 SH SOLE 7,300 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 14,464,242 49,894 SH SOLE 49,894 0 0
ETF J P MORGAN ULTRA-SHORT ETF 46641Q837 896,543 17,691 SH SOLE 17,691 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 6,332,684 41,458 SH SOLE 41,458 0 0
MCDONALDS CORP COMMON STOCK 580135101 452,848 1,550 SH SOLE 1,550 0 0
MERCK & CO NEW COMMON STOCK 58933Y105 1,601,362 20,232 SH SOLE 20,232 0 0
MICROSOFT CORP COMMON STOCK 594918104 4,594,954 9,238 SH SOLE 9,238 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 7,189,624 106,608 SH SOLE 106,608 0 0
NU SKIN ENTERPRISES COMMON STOCK 67018T105 3,995 500 SH SOLE 500 0 0
PEPSICO INC COMMON STOCK 713448108 4,407,329 33,379 SH SOLE 33,379 0 0
RTX CORPORATION COMMON STOCK 75513E101 5,294,214 36,257 SH SOLE 36,257 0 0
SPDR S & P DEPOSIT RCPTS ETF 78462F103 921,808 1,492 SH SOLE 1,492 0 0
SPDR PORTFOLIO INTERM TERM CORP BD ETF ETF - FIXED INCOME 78464A375 12,520 373 SH SOLE 373 0 0
SPDR S&P 400 MID CAP VALUE COMMON STOCK 78464A839 22,317 281 SH SOLE 281 0 0
SSGA DOUBLELINE TOTAL RETURN BOND ETF ETF - FIXED INCOME 78467V848 3,599,623 89,744 SH SOLE 89,744 0 0
SCHWAB US LARGE CAP VALUE ETF ETF 808524409 35,928 1,299 SH SOLE 1,299 0 0
SCHWAB FUNDAMENTAL INTL EQUITY ETF ETF 808524755 55,186 1,379 SH SOLE 1,379 0 0
SPROTT PHYSICAL GOLD TR UNIT COMMON STOCK 85207H104 456,120 18,000 SH SOLE 18,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 4,644,781 50,691 SH SOLE 50,691 0 0
SYSCO CORP COMMON STOCK 871829107 162,841 2,150 SH SOLE 2,150 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,780 36 SH SOLE 36 0 0
VICTORY SHARES US SMALL MID CAP ETF ETF 92647N568 1,006 12 SH SOLE 12 0 0
VISA INC COMMON STOCK 92826C839 10,039,434 28,277 SH SOLE 28,277 0 0